Finance & Invest
Add your assets, then list the money going in and out of each one, and for which years. Results update as you type.
Compound growth means you earn returns not only on the money you put in, but also on the returns you have already earned. Over long periods this snowball effect usually matters more than the exact interest rate: €10,000 at 7% a year (compounded yearly) becomes about €20,000 after 10 years and about €76,000 after 30 years, without adding anything.
Regular deposits make the effect stronger, withdrawals weaken it. In this planner you can add up to five assets – for example an ETF portfolio, a savings account and a pension fund – and list for each one when money goes in or out: every month, every quarter, twice a year, every year or in a specific month, for exactly the years you choose.
The “Monte Carlo simulation” switch runs 2,000 possible markets in which each asset’s yearly return swings as much as its risk level suggests. The light band in the chart contains 9 out of 10 outcomes, and the tables below it show poor, typical and good results by year and for each asset. When you plan withdrawals, it also shows how likely it is that the money lasts.
Everything is calculated in your browser. Your plan is stored only in the page address, so you can bookmark it or share the link – nothing is sent to a server.
The interest rate is the nominal yearly rate. If interest is added monthly, you earn interest on interest within the year, so the effective yearly rate is slightly higher: 7% compounded monthly is about 7.23% a year. Hover over an asset in the chart legend to see its effective rate.
At the start of the month, before that month’s interest. Quarterly means months 1, 4, 7 and 10 of each plan year; twice a year means months 1 and 7; yearly means month 1.
A withdrawal never takes a balance below zero. The planner shows a warning with the month in which the asset ran out; later withdrawals are limited to what is left.
No. The results are illustrations based on the numbers you enter. Real returns vary, and past returns do not predict future returns.